Oro Valley Health Insurance

Convenient Health Insurance Policies

Health insurance is an excellent way to be prepared for life emergencies. However, it can be overwhelming to sort through the policies on the market and decide which is best for the needs of your family. Phoenix Health & Life Insurance is a licensed health insurance agency in Oro Valley specializing in guidance, education, and assistance as you learn about various health insurance policies. We can help you find the right coverage!

Top-Rated Health Insurance Agents

Each Oro Valley health insurance agent at Phoenix Health & Life Insurance is licensed, experienced, and knowledgeable. We carry a strong understanding of each policy available on the market, and are prepared to answer your questions and help you make an educated decision. Our team works diligently to keep our knowledge current with the latest variety of policies, and walk with you through every step of the enrollment process.

Professional Counseling
For Medicare Plans

While Medicare offers adequate coverage for many individuals throughout the nation, it is not a comprehensive policy and requires a secondary to cover the gaps. If you need expert help learning about Medicare and how to enroll, or to find a supplemental policy for gap coverage, our Oro Valley Medicare agents at Phoenix Health & Life Insurance are an excellent resource. We are licensed and experienced with Medicare!

Visit Our Health Insurance Agency Near You

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024

Chandler Health Insurance
4822 W Oakland St,
Chandler, AZ 85226

PhX Health Insurance logo on Contact Info

20823 N CAVE CREEK RD,
BUILDING B SUITE 101
PHOENIX, AZ 85024

EMAIL

View Map | Get Directions

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    Level Funded / Return Of Premium Health Insurance In Oro Valley

    • Employer pays monthly amount to cover estimated costs
    • Employer pays premium and plan administration costs
    • You are required to pay the claims
    • Plan is available to companies with a certain number of employees
    • Provides the opportunity to benefit from a favorable claims year
    Oro Valley Health Insurance With United HealthCare
    Oro Valley Health Insurance With Humana
    Oro Valley Health Insurance With Aetna
    Oro Valley Health Insurance With Cigna
    Oro Valley Health Insurance With Bluecross Blueshield
    Oro Valley Health Insurance With Bright Health
    netwell

    A HEALTHCARE SHARING MINISTRY THAT CARES FOR ITS MEMBERS AS A FAMILY

    Oro Valley’s Preferred Insurance Products & Services

    Oro Valley Individual and Family Health Insurance Plans

    Individual & Family
    Insurance Plans

    Medicare Advantage Plans Near Oro Valley

    Medicare
    Advantage Plans

    Oro Valley Group Health Insurance Plans

    Group Health
    Insurance Plans

    Medicare Supplement Plans Near Oro Valley

    MEDICARE
    SUPPLEMENT PLANS

    Short-Term Health Insurance Plans Near Oro Valley

    Short-Term Health
    Insurance Plans

    Oro Valley Accident Plans

    Accident
    Plans

    Life Insurance Plans Near Oro Valley

    Life
    Insurance Plans

    Critical Illness Plans Near Oro Valley

    Critical
    Illness Plans

    Dental Insurance Plans In Oro Valley

    Dental
    Insurance Plans

    Oro Valley Long Term Care

    Long
    Term Care

    Annuities in Oro Valley

    Annuities

    No matter your health needs or your budget, Phoenix Health Insurance has a policy for everyone. As five-star Oro Valley health insurance agents, we are dedicated to helping every client find coverage that is affordable, comprehensive, and quality. Whether you are starting from scratch or need to improve your current policy, Phoenix Health Insurance is ready to help you find dental, emergency, Medicare, or accident coverage. Browse the plan options above or give us a call to schedule a personal consultation with an agent!

    “When you do what’s right you can’t go wrong!”

    Meet The Agents Of Phoenix Health Insurance Near Oro Valley

    Lynn Marble Insurance Agent

    Lynn Marble

    Master General Agent and specializes in Medicare, Individual Family Plans.

    Interview: https://gosolo.subkit.com/lynn-marble/

    Stacie Howard Insurance Agent

    Stacie Howard

    Director
    Individual Family Plans

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Director
    Group Benefits

    Frank Stevens Insurance Agent

    Frank Stevens

    Director
    Financial Services

    Stacy Petro Insurance Agent

    Stacy Petro

    Director
    Customer Service / Operations Director

    Troy Chevalier Insurance Agent

    Troy Chevalier

    Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.

    Angela Gabbard Insurance Agent

    Angela Gabbard

    Group Account Coordinator and better half of Team Gabbard

    Hayden Swann Insurance Agent

    Hayden Swann

    Licensed agent specializing in Individual and Family Health Plans

    Whatever your personal healthcare situation may be, Hayden will be able to help.

    Joshua Bahr Insurance Agent

    Joe Beehler

    Licensed Health and Life Insurance Account Specialist
    Joe is an experienced agent that specializes in Life Insurance, Individual health Insurance, Group Health, Long Term Care, and Dental plans.

    Joshua Bahr Insurance Agent

    Joshua Bahr

    Licensed Health & Life Insurance Agent.
    Joshua, brings his experience as an educator and local high school football coach to his clients to share life and health insurance strategies for families and small business owners.

    Karyn Ellsworth Insurance Agent

    Karyn Ellsworth

    Karyn is a Licensed Health Insurance Agent who specializes in Medicare Planning, & Individual Family Plans. Karyn loves helping others and brings with her over 15 years of customer service expertise.

    Karyn Ellsworth Insurance Agent

    Lucy Swagerty

    Lucy brings over 25 years of experience in Customer Service, Sales and Marketing. Lucy has spent the last 14 year specializing in Medicare, Life Insurance, and Property and Casualty Insurance

    Karyn Ellsworth Insurance Agent

    Roman Stolcis

    Roman brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.

    Read Our Clients’ Reviews

    “Stacie Howard was great to work with. She knew what I needed as was very knowledgeable of my options and my needs. Stacie has been my agent for a few years now and I would highly recommend her insurance services to anyone!!!”

    JOHN S.

    ★★★★★

    “My visit with Mr Lynn Marble over Health insurance was a great experience. Mr Marble was very knowledgeable about health insurance and helped me with making the right choice for my needs.”

    STAN U.

    ★★★★★

    “Phoenix Health Insurance was referred to me by my business partner. From day one that I contacted them through all the registration process and after, I had a great experience with their knowledge and costumer service.”

    NANCY M.

    ★★★★★

    Our Health Insurance Agency’s Service Areas

    PHX Health Insurance Also Provides Health Insurance In Phoenix

    Phoenix Health Insurance

    Finding affordable coverage in the Phoenix area should not be complicated. At Phoenix Health & Life Insurance, you will find thorough, reliable education about different policies and how to find one that suits the health needs of your family. If you need specialty coverage for a chronic or autoimmune illness, we can help with that too! Don’t wait – schedule a consult with our friendly agents to find the right policy.

    PHX Health Insurance Also Provides Health Insurance In Pima County

    Pima County Health Insurance

    If you are seeking a health insurance policy in Pima County, Phoenix Health Insurance is a reliable resource. Whether you have a few questions or are ready to take the step to enroll, we are here to help. You will never be pressured to make a decision on the spot, and we will take all the time necessary to answer your questions in a way that makes sense.

    PHX Health Insurance Also Provides Health Insurance In Pinal County

    Pinal County Health Insurance

    Working with an experienced, licensed agent will make all the difference in the process of finding health coverage. Attempting to find a policy that works for your needs and get enrolled independently will cause undue stress and frustration that can be avoided with the assistance of a licensed agent. Find more information about health insurance plans in Pinal County when you visit Phoenix Health & Life Insurance!

    PHX Health Insurance Also Provides Health Insurance In Maricopa County

    Maricopa County Health Insurance

    Finding appropriate health coverage in Maricopa County can be a complicated and lengthy process, but it doesn’t have to be! With the help of our licensed, experienced agents at Phoenix Health & Life Insurance, you have the freedom to ask as many questions as you need to in order to find the best policy and feel comfortable taking the step of enrollment. Visit us today for more information!

    Read Our Blog & Learn More About Health Insurance

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    Our Health Insurance Agency’s Office

    Phoenix Health Insurance logo in white

    New IRS Rules For Employers Regarding Health Insurance

    Within the past year, the IRS posed a question to themselves to consider imposing more specific rules and guidelines to employers. These rules were in regard to the effect of employers’ decisions to contribute to employees choosing alternate healthcare coverage.

    What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?

    Employer Payment Plans

    In order to be set apart from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s), the IRA designated the new arrangement of specific guidelines to be known as “employer payment plans”.

    Because employer payment plans are considered to be group health plans, as such they are subject to the provisions and rules of the Affordable Care Act (ACA). This includes the prohibition of an annual limit for essential health benefits, along with the requirement for full coverage on preventive health services. Unfortunately, these provisions also mean that employees cannot purchase separate coverage for these particular benefits, because according to the IRS, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms”.

    The IRS has mandated that because employer payment plans do not satisfy the market reforms, employers would be required to pay an excise tax of up to $100 per day per employee. That totals up to $36,500 per year for just one single employee, let alone 50 or 100 or more employees.

    While the IRS and Department of Labor have decided that HRAs and healthcare FSAs are acceptable plans for helping employees pay for certain benefits including vision, dental, accidents, long-term care, and automobile medical payment coverage, it has been determined that employer payment plans cannot be integrated with either one.

    Wraparound Coverage

    Fortunately, there is an alternate form of health coverage available that is not actually subject to ACA requirements. Called “wraparound coverage”, it was established in 2015 and determines that employers can help employees buy basic health insurance without being penalized. This insurance must be supplementary to a standard health plan that does meet ACA requirements, and coverage cannot cost more than 15% of the standard health plan cost offered to the rest of the employees.

    For employers still pursuing other healthcare options, the penalties for an employer payment plan can be avoided by giving employees a pay raise that will sufficiently cover their health benefits.

    However, if this is the route you choose as an employer, remember that pay raises equal increased payroll taxes. Ultimately, because all income is taxed, the amount your employees will have left available to cover the cost of health premiums will be less than intended. Additionally, employees may soon forget why they actually received the raise, and can quickly become resentful that a standard health plan is not offered to them as valued employees.

    Lastly, it is important to note that even if you provide a salary raise to your employees to avoid employer payment plan penalties, you will still be subject to the penalty required for not providing a health coverage plan to your employees. Sincerely,
    Your Team at Phoenix Health Insurance

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      PHX Health Insurance Contact Our Office Near Oro Valley

      20823 N CAVE CREEK RD,
      BUILDING B SUITE 101
      PHOENIX, AZ 85024

      EMAIL

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